Free Guides
Short, printable guides to the decisions that cost the most when you get them wrong. Each one is free, fact-checked, and updated when the numbers change.
Should I Claim at 62, FRA, or 70?
The one-page decision guide to the single biggest Social Security choice you'll make.
Get the free guideWhen Should We Both Claim? A Couple's Guide
How two claiming ages interact, and the order that protects the survivor.
Get the free guideThe Social Security Earnings Test Cheat Sheet
Working while collecting: the limits, what gets withheld, and what comes back.
Get the free guideCan I Collect on My Ex's Social Security?
The 10-year rule, the remarriage rule, and what to bring to the office.
Get the free guideMy Spouse Just Died. Now What?
The survivor benefits checklist for the first 90 days.
Get the free guideAre You Making One of the 7 Social Security Mistakes?
The errors that quietly cost retirees the most, and how to undo them.
Get the free guideThe Retirement Tax Checklist
Provisional income, withholding, and the timing moves that keep you under a threshold.
Get the free guideDo You Have to Sign Up for Medicare?
Who must enroll at 65, who can wait, and the penalty that never goes away.
Get the free guideMedicare vs. Medigap
What each one covers, what each one costs, and the window you only get once.
Get the free guideWho Pays for Long-Term Care?
Medicare, Medicaid, insurance and your savings: who pays for what.
Get the free guideDon't Lose Your SNAP: Paperwork & Deadlines
The recertification calendar and the letters you cannot ignore.
Get the free guideShould I Apply for Disability?
SSDI vs. SSI, the five-step test, and what a strong application looks like.
Get the free guideYour SSA Letter, Decoded
What every Social Security notice means and what to do about it.
Get the free guideThe Property Tax Checklist
Senior exemptions, freezes and deferrals, state by state.
Get the free guideExtra Income From Home
Seven legitimate places to find flexible work after 65, and the 2026 rules on what you can earn.
Get the free guide